How does BarnBridge work?

Could you elaborate on the workings of BarnBridge? I'm particularly interested in understanding how it functions as a decentralized financial protocol that offers tokenized risk-adjusted returns on digital assets. Could you detail its key mechanisms, such as the issuance of risk-adjusted tokens and how these are priced dynamically based on market conditions? Furthermore, I'm curious to know about its use of smart contracts and whether it offers any specific risk management solutions or insurance-like features to protect investors' assets. Could you also highlight how BarnBridge differs from traditional financial institutions in its approach to risk mitigation and portfolio optimization?